“It’s Often Tough to get started on the Right Trac”

   “It’s Often Tough to get started on the Right Trac”


Good Morning Joe,

                   Amy here.  I am writing in hopes that we can have a one on one and that you might be able to guide me in what steps I need to be taking in order to make a plan to manage and secure my finances so that I can move forward in owning a home. Thank you for your time.

With Respect Amy


It takes a lot of courage for anyone to get started on the path of getting their financing and credit in order. For those who have their financing in order, it might not be a big deal but for the folks that don’t it seems like a huge mountain to climb.

The crazy part of this process is that for many the rent that they are paying is much higher than what a mortgage would be, but until they are willing to take the step that Amy is doing the cycle will continue. It also doesn’t matter the income that folks have, many just don’t know what to do to start to get on the “Right Trac”.

I did a refinance for two professionals recently that made over $200,000 in yearly income that had credit scores under 600. They had an existing first mortgage at 6.75% and a second of 11.5%. The refinance I am doing for them will reduce their monthly payments by $1150. It seems impossible that folks that make that kind of income don’t have their finances in order, but not the case at all.



Image courtesy of StuartMiles/freedigitalphotos.net

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Joe Petrowsky, NMLS #6869

Right Trac Financial Group, Inc. NMLS #2709

110 Main St.

Manchester, Ct. 06042

Office: 860 647-7701 x116

Fax: 860 647-8940

Cell: 860 836-9294

Email: joe@righttracfg.com



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Joe Petrowsky does not guarantee nor is in any way responsible for the accuracy of the information provided herein, and provides said information without warranties of any kind, either expressed or implied.

Equal Housing Statement: We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the Nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing becuase of race, color, religion, sex, handicap, familial status, or national origin.

Comment balloon 7 commentsJoe Petrowsky • February 07 2017 01:49PM


Wow, those two professionals who are saving over $1000/month must be ecstatic! 

Posted by Kat Palmiotti, The House Kat (Grand Lux Realty, 914-419-0270, kat@thehousekat.com) about 1 year ago

I am sure Amy will be on her way as long as she follows your advice

Posted by Harry F. D'Elia, Investor , Mentor, GRI, Radio, CIPS, REOs, ABR (Real Estate and Beyond, LLC) about 1 year ago

Good morning Joe. I just love your positive approach to everything. You are the best.

Posted by Sheila Anderson, The Real Estate Whisperer Who Listens 732-715-1133 (Referral Group Incorporated) about 1 year ago

Good morning Joe. Knowledge comes at a price. People should seek it early. Enjoy your day 

Posted by Wayne Martin, Real Estate Broker (Wayne M Martin) about 1 year ago

Joe Petrowsky there are people that know how to make money but don't know how to manage it. Good article!

Posted by Nathan Gesner, Broker / Property Manager (American West Realty & Management) about 1 year ago

People should realize that outstanding lneder are more in their corner than just about anyone in the transaction. 

Posted by Joe Pryor, REALTOR® - Oklahoma Investment Properties (The Virtual Real Estate Team) about 1 year ago

I couldn't imagine what a $1000/mo savings would mean! I like to think I live modestly - I live mostly below my means, but have a few expenses I'd like to curb. Even a savings of a few hundred dollars would make me happy! I bet your clients are extremely satisfied! :-) 

Posted by Mary Weiss, Trainer & Content Manager (Zillow Group Mortgages) about 1 year ago